bcbs ut select Medical Plan Details and Rates

BCBS UT Select offers three medical plan options: Value, Standard, and Premier. The Value plan has the lowest premium but higher out-of-pocket costs.

The BCBS UT Select medical plans have different copayments for doctor visits. For example, the Value plan has a $20 copayment for primary care physician visits, while the Standard plan has a $30 copayment.

The Standard plan has a higher deductible than the Value plan, at $1,000 versus $500. The Premier plan has the highest deductible, at $1,500.

BCBS UT Select medical plans cover a range of services, including hospital stays, surgeries, and lab tests. However, the level of coverage and copayments vary depending on the plan chosen.

Here's an interesting read: Bcbs Plans Texas

UT SELECT Medical Plan offers two options for full-time employees: Basic Coverage and a more comprehensive plan that includes additional benefits. The Basic Coverage plan costs $0 per month for employees.

If you're a part-time employee, the Basic Coverage plan costs $390.12 per month, while the more comprehensive plan costs $930.54 per month for employees and their spouses.

Here's a breakdown of the monthly premiums for the UT SELECT Medical Plan:

As a full-time employee, you'll have access to the UT SELECT Medical Plan, which includes UT SELECT (medical and prescription coverage), plus the cost of employee $50,000 Basic Life and employee $50,000 Basic Accidental Death and Dismemberment.

Consider reading: Carrier Pre Select

The UT Select medical plan offers several options for retirees, with varying premium rates depending on the level of coverage.

Retirees can choose from two plans: UT SELECT Medical and UT CARE Medicare PPO. Both plans offer $0 premium for the retiree alone.

For retirees with a spouse, the monthly premium rates are $335.94 for UT SELECT Medical and $312.50 for UT CARE Medicare PPO.

Retirees with children or a family will need to pay more, with monthly premium rates ranging from $351.36 to $661.56 for UT SELECT Medical, and $326.84 to $615.40 for UT CARE Medicare PPO.

Here's a quick breakdown of the premium rates for each plan:

Medical coverage premium rates for UT employees and retirees are available for the 2024-2025 plan year.

The UT SELECT Medical plan has a monthly premium rate of $0 for full-time employees, but $390.12 for part-time employees.

The plan rates for retirees and their dependents are also available, with a monthly premium rate of $0 for retirees, $335.94 for retirees and spouse, $351.36 for retirees and children, and $661.56 for retirees and family.

Here is a summary of the medical coverage premium rates for UT employees and retirees:

If you're enrolled in a plan with a $1,800 deductible, you'll only be responsible for 60% of the allowed amount after meeting that deductible. This can be a significant cost savings.

The allowed amount is determined by the Blue Cross and Blue Shield plan, and it's the lesser of the Medicare Limiting Charge or the plan's allowed amount.

If the doctor is out of the network, you may be billed the difference if the plan's allowed amount is less than the Medicare Limiting Charge.

UT SELECT will pay 100% of benefits approved but not paid by Medicare, which can help reduce your out-of-pocket costs.

Related reading: Bcbs Medicare Dental

Ovia Health Digital Support is a valuable resource for UT SELECT health plan members. It's included in your plan, offered through Blue Cross and Blue Shield of Texas (BCBSTX).

You'll have access to a range of features that can help you navigate your parenthood journey. These include health assessment and symptom tracking, which can alert you to potential medical issues.

With Ovia Health, you'll also have access to over 50 physician-developed clinical programs. These can help you with various aspects of health and wellness, such as infertility, sexual health, birth planning, and more.

Ovia Health offers unlimited 1-on-1 coaching with Registered Nurse health coaches. You can message them instantly to ask any questions you may have.

If you're looking for guidance on career and return-to-work programs, Ovia Health has you covered. They offer coaching and career advice to help you prepare for maternity leave, return to work, and be a working parent.

You can access Ovia Health through their iPhone or Android app, or by contacting a health advocate at (866) 882-2034 for more information.

Explore further: Bcbs Blue Edge Ppo

BCBS UT Select has a unique approach to handling special circumstances, such as pregnancy and childbirth. This includes coverage for prenatal care, delivery, and postpartum care.

If you're expecting a baby, you'll want to know that BCBS UT Select covers up to 80% of in-network charges for prenatal care, delivery, and postpartum care. This includes routine check-ups, ultrasounds, and any complications that may arise.

BCBS UT Select also covers newborn care, including well-baby visits and vaccinations. This ensures that your baby gets the best possible start in life.

In addition to pregnancy and childbirth, BCBS UT Select also covers other special circumstances, such as mental health services. These services include counseling, therapy, and medication management.

BCBS UT Select offers a range of mental health services, including in-network therapists and psychiatrists. This ensures that you have access to the care you need, when you need it.

If you're dealing with a serious illness or injury, BCBS UT Select has a range of resources available to help. This includes access to in-network specialists, hospitals, and other healthcare providers.

If this caught your attention, see: Bcbs in Network Therapists